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Your net worth is the value of your assets -- all the stuff you own -- minus your liabilities or debts.The good news is, your net worth isn't static -- it changes over time.And you can increase it by taking steps to acquire more assets and decrease your liabilities.Having a high net worth cushions you from financial setbacks because it means you have money to fall back on or assets you can sell to generate cash.A high net worth is also essential if you want to achieve financial independence.If you're not sure how to increase your net worth, there are two simple steps to take: pay down your debt, and invest in assets that increase in value.To understand how to increase your net worth, you first need to understand how to calculate it. This could include: Basically, you want to try to add up how much everything you own is worth.Use the current market value for your vehicles, home, and property rather than what you paid. This is everything you owe or any outstanding obligations you have such as: Finally, subtract the sum of your liabilities from the value of your assets.So if everything you own is worth $100,000 and you owe $150,000 in loans, your net worth would be -$50,000 ($100,000 - $150,000).But if everything you own is worth $500,000 and you owe a total of $200,000, your net worth would be $300,000 ($500,000 - $200,000).
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Once you understand how your net worth is determined, it's easier to see what you need to do to grow it.There are only two ways to increase your net worth: Of course, doing either of those things is easier said than done.But there are ways you can work on both that will really help your net worth to grow as quickly as possible.To increase the value of your assets, you can: Once you've begun taking steps to grow your net worth it's a good idea to track your progress.You can maintain a spreadsheet with estimated values of your assets and with a list of your liabilities that you update periodically.Apps such as Mint get you to input the details of your financial accounts and other assets and then use that info to track your net worth for you.Tracking your net worth can help you stay motivated to pay off debt and grow your assets because it provides a way to physically watch that number gradually rise.The sooner you put these methods for increasing your net worth into action, the sooner you'll start seeing positive results.You can work on growing your assets by increasing your income and making smart investments, and you can work on reducing your liabilities by creating a debt payoff plan and putting extra money toward your debt.It will take time, but it's well worth the effort as growing your net worth increases your wealth and makes you much more financially secure.